Jim Garrison

Loan Officer

Jim Garrison

My Specialties

  • Lot and Construction Perm Loans
  • Portfolio Loans
  • FHA/USDA/VA Loans
View All Mortgage Options


With over 25 years of mortgage lending experience, I’m here to guide you through the ‘mortgage maze.’ I’m passionate about structuring your home purchase in a manner that’s most beneficial to you now and in the long run. You will be informed every step of the way….if you have to call me to find out the status of your loan, in my mind I’ve failed. It will be my pleasure to find a loan that best meets your financial needs and then get you to closing on time with the least amount of stress possible.

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Pinehurst, NC
NMLS#: 119150
Office: (910) 824-4800
Cell: (704) 488-5020

Jim was tremendously informative through the process. I needed a lot of guidance and he always took the time to explain everything thoroughly. He was quick to run numbers when I needed them, and he worked to creatively find a package that worked for my current financial goals. When I finally made my decision, he ensured the execution phase was seamless. Jim is obviously very knowledgeable and dependable, and I will certainly call him first if/when I need to re-finance or purchase another home.

Timothy L.

Jim did an amazing job getting us to closing in an unbelievably short timeframe. He worked tirelessly to help us out with a complicated loan and we wouldn’t be in our new home if it wasn’t for his quick thinking and dedication. As real estate agents, my husband and I have worked with Jim before and he always did a great job for our clients. He didn’t disappoint when working with him on the purchase of our own home either. We would and do highly recommend Jim as lender. He works hard and get things done!

Jennifer P.

Jim was extremely helpful. He made sure the loan side of the home purchase was processed quickly. He went above and beyond helping me though the purchase process of my new home. Thanks to Jim, the loan approval process seemed easy and painless. All the way to closing, he offered assistance and insight as to what to expect. I highly recommend Jim to anyone looking to purchase a home.

Daniel L.

I just wanted to thank you for helping Jane and I achieve our dream of buying property on Lake James. After several delays, our lot was finally closed yesterday and we are now official property owners of the land where we’ll eventually build our retirement home. We plan to build a dock in the next month so we can enjoy the water. Thanks again!

Jeff Fawcett

I had a first and 2nd mortgage with a major bank for ten years and the 2nd was up for renewal in 2020. I thought it would be a easy matter to get the 2nd refinanced with current bank and one that I have been customer of for twenty years. How wrong I was after sixty days I threw in the towel and called Jim Garrison. With in two weeks he had a new loan approval with an interest rate of 4.99% fixed for 30 years on an investment property. In addition I was able to take out cash at closing of over $35,000. I would recommend Jim for all your loan needs. He is a professional first grade!

Joel Thompson

Partnering with Ameris

At Ameris Bank, we help turn your home buying dreams into reality! We also understand that there is no purchase more important, rewarding or exciting as a new home. We are dedicated to helping you step-by-step through the process and keeping you updated with your loan status each step of the way.

Ameris Bank Mortgage Services is backed by Ameris Bank – a strong and stable community bank with over a 45 year history built on relationship banking and customer service.

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